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John KurtzCharlotte · NC

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Belmont · Belmont, NC

4120 Spring Cove Way

Belmont, NC · 3,165 sqft

$1,200,000

  • 4Beds
  • 3.5Baths
  • 3,165SqFt
  • 2021Year
  • 5Days on market

About this home

Rare Waterfront Opportunity in Belmont! Nestled on a quiet cul-de-sac surrounded by mature trees, this stunning modern Craftsman offers the perfect blend of luxury, comfort, and lakefront living. Designed with an open-concept floor plan and elevated finishes throughout, this home was thoughtfully crafted for both everyday living and entertaining.

The main level features a spacious primary suite, convenient laundry room, and functional drop zone for easy organization. Enjoy peaceful mornings with coffee by the natural gas fireplace or unwind on the screened porch while taking in tranquil waterfront views.

Upstairs, a versatile loft, along with three generously sized ensuite bedrooms, each complete with walk-in closets for exceptional comfort and privacy.

Outside, the property truly shines. The private floating dock and jet ski dock, make it effortless to enjoy lake life. A spacious 3-car garage offers a separate bay ideal for a home gym, workshop, golf cart, or motorcycle storage.

With cozy cove views and a backyard ready to become your private waterfront oasis, this rare Belmont property delivers the lifestyle you’ve been waiting for.

Located in the highly desirable McLean community, residents enjoy a peaceful, nature-filled setting with miles of walking trails, access to the Carolina Thread Trail, and a true sense of neighborhood connection. Just minutes from charming downtown Belmont, you’ll love being close to local favorites like Drift, as well as the beautiful Daniel Stowe Botanical Garden.

Property details

Beds
4
Baths
3.5
SqFt
3,165
Lot
Year built
2021
Type
Single Family
Days on market
5
Garage
3
Style
Arts and Crafts
Heating
Forced Air, Natural Gas
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Carpet, Hardwood, Tile
HOA dues
$1,245 / yr

Features

  • Attic Walk In
  • Built-in Features
  • Drop Zone
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Storage
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Dock - Floating

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$8,735/ month

Principal & interest
$7,431
Property tax (~0.85%)
$850
Homeowners insurance
$350
HOA dues
$103

Down payment

$60,000 down · $1,140,000 financed

Income to qualify (28% rule)

~$374,387 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.